Private Health Insurance
- Thread starter fatboy
- Start date
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Mr Popkins
New member
putting your Queensburys on a spoon and coughing.
Rougvie
Rising Damp
Yes, but its through work and normally you have to be paying into it for a bit to make a claim.
We go through a pretty simple medical, but I have managed to get physio after minor football injuries and stuff so I reckon it would be well worth the investment.
We go through a pretty simple medical, but I have managed to get physio after minor football injuries and stuff so I reckon it would be well worth the investment.
aftershavedave
Well-known member
it all depends what you're after fatboy....phi is mean to cover acute injury of illness and doesn't cover (generally) pre-existing things that may be wrong with you. it'll cost you up to £750 per year for a single person depending on cover.
generally worthwhile if you're "given it" as a work benefit and pay the tax but more marginal if you pay yourself...
generally worthwhile if you're "given it" as a work benefit and pay the tax but more marginal if you pay yourself...
S'hampton Seagull
Well-known member
fatboy said:
You may have some provision through your employer, I do.
Cian
Well-known member
Rougvie can't be on VHI then 
I have VHI. Useless for a lot of stuff. Virtually everything - its either a "first consultation" or "Pre-existing".
However, if I wan an operation I can get it done almost immediately and in a semi-private ward. But its no use for anything minor.
I have VHI. Useless for a lot of stuff. Virtually everything - its either a "first consultation" or "Pre-existing".
However, if I wan an operation I can get it done almost immediately and in a semi-private ward. But its no use for anything minor.
- Thread starter
- #7
Rougvie said:
My back is f***ed. I reckon I will need an operation. They don't normally operate unless it is essential. Essential means if it is a risk of paralysing me, essential doesn't mean it is causing me pain or making me unable to do things.
NHS is shit. I will go private but if I can get out of paying I will. I presume insurance will cover operations. Do you know how long you need to paying into it for? If I took out car insurance today and someone stole my car tomorrow I would be covered.
I reckon I could pass any medical anyway.
Seagullible
Super Keeper
Yes and working very nicely thanks Mr Rumble. Just had an MRI scan on my knee with BUPA paying the £611.50 fee
Gazwag
5 millionth post poster
fatboy said:
Depends if you have any back problems on your doctors file as the health ins company will almost certainly request it.
Like all insurance companies, if the can get out of paying a claim they will do there best to do so
Lammy
Registered Abuser
I'm NHS and my wife has private care with her work. She had a bad back and was refered to a private hospital. Surprise surprise she had multiple appointments and they never got to the route of the problem. The make money with each visit so highly unlikely to refer you to someone else if they can simply get you back. She then went to the NHS. Was immediately refered to a specialised who diagnosed the problem with scans etc.
For some things private can be better, but generally the NHS is not as bad as people make out. Especially in an emergancy, you can't beat it!
For some things private can be better, but generally the NHS is not as bad as people make out. Especially in an emergancy, you can't beat it!
Lammy
Registered Abuser
fatboy said:
Exactely, whereas the NHS will try to sort you out asap to try and keep the waiting lists down and get you out the way. They are equally, if not more qualified too!
pasty
A different kind of pasty
I have it though work and it has worked brilliantly for me in the past. I had Mrs Pasty included & when she contracted breast cancer 2 years ago, 2 operations, all chemotherapy and radiotherapy was covered privately.
I've also had a knee operation and chiropractice (sp) on a back injury through it.
You may have a problem getting a new insurance policy to pay though as they will probably argue it is an existing condition, which would invalidate the policy.
I've also had a knee operation and chiropractice (sp) on a back injury through it.
You may have a problem getting a new insurance policy to pay though as they will probably argue it is an existing condition, which would invalidate the policy.
D
Deleted User X18H
Guest
You won't get a pre existing condition covered under a health insurance scheme . Sorry.
Yoda
English & European
Go and see my physio at my athletics club. Mark Potter, ITC, Grafton Road, Worthing.
He sorted mine out when I pulled a muscle in it the other year.
He sorted mine out when I pulled a muscle in it the other year.
- Thread starter
- #16
I'm aware that an existing condition would not be covered by a new policy; that would be like takign out insurance on my car that was stolen yesterday and then claiming.
But if they are not aware of the problem then they would not know if was an existing problem.
I'm also aware that it is not very moral, but I am a student - I have no money, I've spent enough of my parents money as it is on private physio, and I'd quite like to get some normality back into my life - be able to walk without limping, play football, be able to sleep properly, be able to cough and sneeze without it hurting!!!
But if they are not aware of the problem then they would not know if was an existing problem.
I'm also aware that it is not very moral, but I am a student - I have no money, I've spent enough of my parents money as it is on private physio, and I'd quite like to get some normality back into my life - be able to walk without limping, play football, be able to sleep properly, be able to cough and sneeze without it hurting!!!
Set of Tracksuits
Active member
If you are taking out your own Private Medical Insurance policy, then virtually all insurers will take you on without any form of medical whatsoever, under what is called a "moratorium" clause.
This means that any condition that you have suffered from in the past (normally just the past five years) will not be covered for the first two years of your policy. So, if you took out a policy today, and had had a back problem in 2001, it would not be covered until 6th October 2006.
This is a very basic description of how it works, if anyone has any questions, just PM me. Part of my job is as a Private Medical Insurance consultant by the way.
This means that any condition that you have suffered from in the past (normally just the past five years) will not be covered for the first two years of your policy. So, if you took out a policy today, and had had a back problem in 2001, it would not be covered until 6th October 2006.
This is a very basic description of how it works, if anyone has any questions, just PM me. Part of my job is as a Private Medical Insurance consultant by the way.
Set of Tracksuits
Active member
fatboy said:
What they do is assess you when you go to make a claim. So, if you made a claim for, let's say, a knee injury they would check your GP's records to see if you had any history of a knee problem in the past five years. If you did, then they wouldn't pay for your claim.
If your problem, whatever it may be, isn't on your doctor's notes, there's not much they can do about it really, they would have to cover you. However, some companies do insist that you have the policy for a certain period (often between 30 and 90 days) before they will allow you to claim.
Eddie the Seagull
New member
I spent 9 weeks in The Kent & Sussex - My insurance paid me £50 a day for staying in a NHS hospital, even though I was unconcious for pretty much the whole time!
Rougvie
Rising Damp
Andy, be carefull, as they may ask for medical history for serious operations, its uncannilly like the problem a girl I know has, but she is at the stage of almost being paralysed and this is quite spooky because she e-mailed me today to tell me she was going into hospital for her operation, and I got really quite upset about it.
I have known her since I moved back down to Brighton, which is about 5 years now, and in all the time I have known her she has has the problem.
Couldnt you just go to BUPA and ask them to quote you a price for the operation, a lot of treatments have come down in price, BUPA often do payment plans, surely it might be worth a try ?
I have known her since I moved back down to Brighton, which is about 5 years now, and in all the time I have known her she has has the problem.
Couldnt you just go to BUPA and ask them to quote you a price for the operation, a lot of treatments have come down in price, BUPA often do payment plans, surely it might be worth a try ?